Author Archives: ross@planrfp.co.uk

Did you know that from 6 April 2027, most pensions will be included in your estate when calculating Inheritance Tax? The shake-up is expected to lead to an additional 10,500 estates becoming liable for the tax in 2027/28, and around 38,500 estates will pay more tax due to the reforms1. As, under existing rules, pensions […]

Preparing to buy your second home might feel just as daunting as being a first-time buyer. You’ll often be juggling selling your existing home and searching for a new property at the same time. If you’re ready to move on from your first home, here are three things to keep in mind. 1. You’ll often […]

Affluent families who delay estate planning could miss out on chances to reduce a potential Inheritance Tax (IHT) bill and pass more on to their families. Find out if you could benefit from considering IHT and how you might pass on assets tax-efficiently. According to a report covered by Today’s Wills and Probate (5 June […]

On 22 June, Keir Starmer announced he would quit as Labour Party leader. The decision had been anticipated in the media, but the changes still pose some uncertainty over the coming weeks. Read on to find out what it could mean for your finances. The Labour Party will need to decide on a new leader, […]

Having a reliable income in retirement could give you the freedom to create a lifestyle you enjoy and achieve those bucket-list goals you’ve dreamed about for years.  In a 2023 survey by Legal & General, 94% of UK adults said their most important retirement dream is to feel financially secure for the rest of their […]

Investing is often as much about emotions as it is about numbers. One emotion that might affect how you invest at times is fear. Learning how fear influences investment decisions and how to master it could support your long-term success.  Fear could strike investors in multiple ways  There’s more than one form that fear can […]

Most people will have multiple financial goals they want to achieve. A common challenge is balancing these competing goals and understanding how to use your assets to work towards them. It’s an area that a financial plan could help you with. Over the last few months, you’ve read about short-, medium-, and long-term goals that […]

If you’re yearning for an adventure in retirement, this chapter of your life doesn’t have to mean putting your feet up and embracing a slower pace of life. Whether you’re keen to explore new destinations or try your hand at a new activity, there can still be adventures around the corner. While the stereotype of […]

Rental reform under the Renters’ Rights Act came into force on 1 May 2026. For landlords, it represents a significant change, so if you already have a property portfolio or are considering purchasing buy-to-let properties, it’s important to be aware of the reforms. The policy reforms are lengthy and cover a lot of areas, with […]

Do you want to create a legacy by passing on assets to your loved ones? There’s more than one way to do it, and you might want to combine several different options. As part of your estate plan, you might want to consider who you’d like to benefit from your estate and how you will […]